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INDICATIVE · SAMPLE DATA
USMT.PK56

US Metro Bank

BanksVerified

US Metro Bank has a basic capital structure with 16,738,500 shares outstanding, both basic and diluted, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the current valuation snapshot, and no industry_config preferred metrics are provided for comparison. This limits the ability to assess the company's performance relative to its peers in the banking industry. The company's segments and geographic exposure are not disclosed in the available data, making it difficult to evaluate revenue concentration or geographic diversification. Growth trajectory data is not available in the current outlook, and no numeric deltas are provided for the current or next fiscal year. This limits the ability to assess the company's growth potential. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. Dilution potential is low, and no adjustments have been applied to the valuation. Recent events, including filings and transcripts, are not disclosed in the available data, limiting the ability to assess the company's recent performance and strategic direction.

30-day price · USMT.PK+0.15 (+2.9%)
Low$5.11High$5.40Close$5.35As of10 May, 00:00 UTC
Profile
CompanyUS Metro Bank
TickerUSMT.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. US Metro Bank is a commercial bank headquartered in Garden Grove, California, offering personal and business banking services, including checkings, savings, certificates of deposit, mobile banking, business loans, and securities.

Classification. US Metro Bank is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

US Metro Bank has a basic capital structure with 16,738,500 shares outstanding, both basic and diluted, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the current valuation snapshot, and no industry_config preferred metrics are provided for comparison. This limits the ability to assess the company's performance relative to its peers in the banking industry. The company's segments and geographic exposure are not disclosed in the available data, making it difficult to evaluate revenue concentration or geographic diversification. Growth trajectory data is not available in the current outlook, and no numeric deltas are provided for the current or next fiscal year. This limits the ability to assess the company's growth potential. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. Dilution potential is low, and no adjustments have been applied to the valuation. Recent events, including filings and transcripts, are not disclosed in the available data, limiting the ability to assess the company's recent performance and strategic direction.
Key takeaways
  • US Metro Bank has a basic capital structure with no dilution from stock options or convertible securities.
  • Liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.
  • Profitability and returns data are not available, limiting the ability to assess the company's performance relative to its peers.
  • Growth trajectory data is not available, limiting the ability to assess the company's growth potential.
  • Risk factors include the inability to assess liquidity risk and the lack of disclosed recent events.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricUSMT.PKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin459.2% medp25 422.9% · p75 495.5%
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue2.6% medp25 1.0% · p75 12.1%
Debt / equity16.8% medp25 13.7% · p75 33.1%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 09:06 UTC#7f2b44fd
Source: analysis-pipeline (hybrid)Generated: 2026-05-10 09:07 UTCJob: 5ce45d3c